Call reports 2004
HAMPDEN BANK — 2004
What HAMPDEN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 410,730,000 | 410,306,000 | 414,036,000 | 416,040,000 |
| Total loans | 239,114,000 | 249,860,000 | 258,968,000 | 267,060,000 |
| Allowance for loan losses | 3,339,000 | 3,388,000 | 3,516,000 | 3,552,000 |
| Securities available for sale | 146,124,000 | 133,044,000 | 128,199,000 | 125,120,000 |
| Securities held to maturity | 1,996,000 | 1,722,000 | 1,722,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 318,575,000 | 317,335,000 | 303,287,000 | 308,271,000 |
| Interest-bearing deposits | 292,249,000 | 289,010,000 | 273,667,000 | 280,204,000 |
| Noninterest-bearing deposits | 26,326,000 | 28,325,000 | 29,620,000 | 28,067,000 |
| Equity capital | 31,438,000 | 30,180,000 | 31,226,000 | 31,547,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,911,000 | 9,801,000 | 14,704,000 | 19,612,000 |
| Interest expense | 2,268,000 | 4,487,000 | 6,670,000 | 8,865,000 |
| Net interest income | 2,643,000 | 5,314,000 | 8,034,000 | 10,747,000 |
| Noninterest income | 373,000 | 683,000 | 1,035,000 | 1,466,000 |
| Noninterest expense | 2,490,000 | 4,932,000 | 7,391,000 | 9,592,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 597,000 | 1,109,000 | 1,665,000 | 2,562,000 |
| Income tax | 207,000 | 351,000 | 458,000 | 757,000 |
| Net income | 390,000 | 758,000 | 1,207,000 | 1,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,219,000 | 30,474,000 | 30,948,000 | 31,606,000 |
| Total capital | 33,558,000 | 33,862,000 | 34,464,000 | 35,158,000 |
| Risk-weighted assets | 284,525,000 | 285,257,000 | 281,616,000 | 287,427,000 |